Compare credit & debit card usage costs

Compare the cost of spending or withdrawing €100 abroad using our credit or debit cards*

*The exchange rates used were the applicable rates for transactions processed on 4th June 2018 using the Classic debit card and the Platinum Purchase credit card. For information specific to individual accounts please see the relevant credit or debit card tab.

Purchase

Credit card

Debit card

Original transaction

€100

€100

Payment scheme exchange rate

1.141813

1.13837

Conversion to pounds

£87.58

£87.84

Foreign currency transaction fee

£2.58 (2.95%)

£2.58 (2.99%)

Foreign currency purchase fee

This fee does not apply to Credit Cards

£0.50

Final statement amount

£90.16

£90.92

Original transaction

Credit card

€100

Debit card

€100

Payment scheme exchange rate

Credit card

1.141813

Debit card

1.13837

Conversion to pounds

Credit card

£87.58

Debit card

£87.84

Foreign currency transaction fee

Credit card

£2.58 (2.95%)

Debit card

£2.58 (2.99%)

Foreign currency purchase fee

Credit card

This fee does not apply to Credit Cards

Debit card

£0.50

Final statement amount

Credit card

£90.16

Debit card

£90.92

Cash withdrawal**

Credit card

Debit card

Original transaction

€100

€100

Payment scheme exchange rate

1.141813

1.13837

Conversion to pounds

£87.58

£87.84

Foreign currency transaction fee

£2.58 (2.95%)

£2.58 (2.99%)

Foreign currency cash fee

£3.00 (3.00% min £3.00)

£1.50 (1.5%, min £1.50, max £4.50)

Final statement amount

£93.16

£91.92

Original transaction

Credit card

€100

Debit card

€100

Payment scheme exchange rate

Credit card

1.141813

Debit card

1.13837

Conversion to pounds

Credit card

£87.58

Debit card

£87.84

Foreign currency transaction fee

Credit card

£2.58 (2.95%)

Debit card

£2.58 (2.99%)

Foreign currency cash fee

Credit card

£3.00 (3.00% min £3.00)

Debit card

£1.50 (1.5%, min £1.50, max £4.50)

Final statement amount

Credit card

£93.16

Debit card

£91.92

If you had used our Travel Money service on the 4th June 2018, €100 would have cost £91.58. The applicable rate of exchange was 1.0919.

Our exchange rates for card transactions are determined by the payment scheme provider for the card. For further information and other exchange rates and currencies see Mastercard® or Visa. For travel money, the exchange rate is determined by us.

**This example assumes you allow us to convert the transaction from foreign currency to pounds. If you choose to allow the provider to convert the transaction to pounds, they may make a separate charge for conversion.

Credit card details

Our fees and charges for using your credit card outside the UK:

All credit cards

Foreign currency transaction fee

2.95%

Cash fee (also applicable for pounds withdrawals)

3% (min £3.00)

Foreign currency transaction fee

All credit cards

2.95%

Cash fee (also applicable for pounds withdrawals)

All credit cards

3% (min £3.00)

Interest will be charged differently dependant on whether you have made a purchase or withdrawn cash. Please check your account terms for more information.

Compare the cost of spending or withdrawing €100 outside the UK using our credit cards*.

All credit cards

Purchase

Cash withdrawal**

Original transaction

€100

€100

Payment scheme exchange rate

1.141813

1.141813

Conversion to pounds

£87.58

£87.58

Foreign currency transaction fee

£2.58 (2.95%)

£2.58 (2.95%)

Cash fee

N/A

£3.00

Final statement amount

£90.16

£93.16

Original transaction

Purchase

€100

Cash withdrawal**

€100

Payment scheme exchange rate

Purchase

1.141813

Cash withdrawal**

1.141813

Conversion to pounds

Purchase

£87.58

Cash withdrawal**

£87.58

Foreign currency transaction fee

Purchase

£2.58 (2.95%)

Cash withdrawal**

£2.58 (2.95%)

Cash fee

Purchase

N/A

Cash withdrawal**

£3.00

Final statement amount

Purchase

£90.16

Cash withdrawal**

£93.16

*The exchange rates used were the applicable rates for transactions processed on 4th June 2018.

**This example assumes you allow us to convert the transaction from foreign currency to pounds. If you choose to allow the provider to convert the transaction to pounds, they may make a separate charge for conversion.

Please check this page carefully because different fees and charges will apply depending on when you opened your account.

Current accounts opened on or after 11th September 2011

We’ll make the following charges when you use your debit card to make a transaction in a currency other than pounds:

Platinum & Premier debit card

All other debit cards

Cashpoint® card

Foreign currency transaction fee

2.99%

2.99%

2.99%

Foreign currency purchase fee

Nil

£0.50

N/A

Foreign currency cash fee

£1.50

£1.50

£1.50

Foreign cash fee

£1.50

£1.50

£1.50

Foreign currency transaction fee

Platinum & Premier debit card

2.99%

All other debit cards

2.99%

Cashpoint® card

2.99%

Foreign currency purchase fee

Platinum & Premier debit card

Nil

All other debit cards

£0.50

Cashpoint® card

N/A

Foreign currency cash fee

Platinum & Premier debit card

£1.50

All other debit cards

£1.50

Cashpoint® card

£1.50

Foreign cash fee

Platinum & Premier debit card

£1.50

All other debit cards

£1.50

Cashpoint® card

£1.50

Compare the cost of spending or withdrawing €100 outside the UK using our debit cards.†

†The exchange rates used were the applicable rates for transactions processed on 4th June 2018.

Purchase

Platinum & Premier debit card

All other debit cards

Cashpoint® card

Original transaction

€100

€100

N/A

Payment scheme exchange rate

1.13837

1.13837

N/A

Conversion to pounds

£87.84

£87.84

N/A

Foreign currency transaction fee

£2.58 (2.99%)

£2.58 (2.99%)

N/A

Foreign currency purchase fee

Nil

£0.50

N/A

Final statement amount

£90.42

£90.92

N/A

Original transaction

Platinum & Premier debit card

€100

All other debit cards

€100

Cashpoint® card

N/A

Payment scheme exchange rate

Platinum & Premier debit card

1.13837

All other debit cards

1.13837

Cashpoint® card

N/A

Conversion to pounds

Platinum & Premier debit card

£87.84

All other debit cards

£87.84

Cashpoint® card

N/A

Foreign currency transaction fee

Platinum & Premier debit card

£2.58 (2.99%)

All other debit cards

£2.58 (2.99%)

Cashpoint® card

N/A

Foreign currency purchase fee

Platinum & Premier debit card

Nil

All other debit cards

£0.50

Cashpoint® card

N/A

Final statement amount

Platinum & Premier debit card

£90.42

All other debit cards

£90.92

Cashpoint® card

N/A

Cash Withdrawal‡

Platinum & Premier debit card

All other debit cards

Cashpoint® card

Original transaction

€100

€100

€100

Payment scheme exchange rate

1.13837

1.13837

1.13837

Conversion to pounds

£87.84

£87.84

£87.84

Foreign currency transaction fee

£2.58 (2.99%)

£2.58 (2.99%)

£2.58 (2.99%)

Foreign currency cash fee

£1.50

£1.50

£1.50

Final statement amount

£91.92

£91.92

£91.92

Original transaction

Platinum & Premier debit card

€100

All other debit cards

€100

Cashpoint® card

€100

Payment scheme exchange rate

Platinum & Premier debit card

1.13837

All other debit cards

1.13837

Cashpoint® card

1.13837

Conversion to pounds

Platinum & Premier debit card

£87.84

All other debit cards

£87.84

Cashpoint® card

£87.84

Foreign currency transaction fee

Platinum & Premier debit card

£2.58 (2.99%)

All other debit cards

£2.58 (2.99%)

Cashpoint® card

£2.58 (2.99%)

Foreign currency cash fee

Platinum & Premier debit card

£1.50

All other debit cards

£1.50

Cashpoint® card

£1.50

Final statement amount

Platinum & Premier debit card

£91.92

All other debit cards

£91.92

Cashpoint® card

£91.92

‡This example assumes you allow us to convert the transaction from foreign currency to pounds. If you choose to allow the provider to convert the transaction to pounds, they may make a separate charge for conversion.

**This example assumes you allow us to convert the transaction from foreign currency to pounds. If you choose to allow the provider to convert the transaction to pounds, they may make a separate charge for conversion.

Statements explained

We are introducing improvements to your statements which will mean that you’ll see the following fees shown on your statement separately.

Statement terms

Foreign currency transaction fee

This is a fee we charge for the conversion of currency. This is a percentage value of the converted pounds amount.

Foreign currency purchase fee

This is a fee we charge per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency or travellers cheques). This fee is applicable only to debit card transactions.

Foreign currency cash fee

This is a fee we charge for withdrawal of cash outside the UK using your debit card.

Foreign cash fee

This is the fee we charge if you choose to complete your debit card cash withdrawal using the ATM provider's conversion rate to pounds. The ATM provider may make a separate charge for conversion which will be included in the exchange rate offered to you.

Cash fee

This is the fee we charge for withdrawal of cash on a credit card whether in or outside the UK.

Foreign currency transaction fee

This is a fee we charge for the conversion of currency. This is a percentage value of the converted pounds amount.

Foreign currency purchase fee

This is a fee we charge per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency or travellers cheques). This fee is applicable only to debit card transactions.

Foreign currency cash fee

This is a fee we charge for withdrawal of cash outside the UK using your debit card.

Foreign cash fee

This is the fee we charge if you choose to complete your debit card cash withdrawal using the ATM provider's conversion rate to pounds. The ATM provider may make a separate charge for conversion which will be included in the exchange rate offered to you.

Cash fee

This is the fee we charge for withdrawal of cash on a credit card whether in or outside the UK.

Going abroad soon? You no longer need to tell us

You no longer have to tell us when you are travelling abroad. Our fraud and security systems are always on the lookout for suspicious activity on your accounts meaning you can relax when you are away making going abroad stress free.